Associated Credit Services, Inc
Consumer Complaints
There are over 143 complaints on file for Associated Credit Services, Inc. Dated between 2019-12-04 and 2013-07-24.
Complaints Page 2
2019-06-17
Garrett Park, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XX/XX/XXXX, I start a water delivery service company called XXXX XXXX by XXXX. I have 30 days try their service but after they delivered water and cooler in my home ; I return all equipment on XX/XX/XXXX, because I found that water has particulars inside. I cancel my service. XXXX company charged on my credit card for every month {$33.00} I dispute this case with XXXX card.
XX/XX/XXXX, I received a collection letter from Associated Credit Service INC. Also, I received several harassment phone calls from them. They demanding {$200.00} plus {$190.00}. They showing that the two XXXX XXXX Water company account, they asked two separate charges. This credit collection agency asking depth not, it is not mine plus they showing two separate case file and two different account number.
Also, contact with XXXX XXXX water company, I spoke with the collection and credit department. The person I spoke with XXXX. I confirm that I only have one account.
This collection company, try to collect money that I do not owe or service with.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-06-13
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I had an account in collection with Associated Credit Services, Inc regarding XXXX XXXX XXXX. The account has been paid and stills showing in my credit report as collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-23
Maynard, MA
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: This collection agency claims that I owe them {$900.00} dollars, first they sent me a bill for the amount of {$65.00} dollars and told me that I had 30 days to dispute this debt. I don't owe this company any money because I do not know who they are, I sent a dispute letter to this company where I asked them to validate this debt because it looked strange to me, especially coming from a company that I know nothing about. They say that I had a balance with a company called XXXX XXXX co, I asked this company to validate the debt and to provide me any documents that they have with my signature on it or something that shows that I agreed to pay them. All they sent me is a piece of paper that shows a breakdown of how much it is they claim that I owe to them and they also sent me a bill. They never provided me a contract with my signature on it or anything.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-10
MA
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/2018 I was sent to XXXX XXXX by doctors orders to get urgent blood work done. I was given a piece of paper to bring to the hospital where I was seen to have blood taken. Not once did any person I dealt with that day, inform me that my insurance did not cover that specific blood work. 6 Months after that I started receiving constant phone calls from a collection agency about an {$830.00} medical bill. I was XXXX at the time and thought that bill was my mother 's responsibility, so I gave the collection agency my mothers information. They still have been nonstop calling me and now the mark against my credit is holding me back from replacing my vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-08
TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Got a call, lady was not upfront with who she was until after I confirmed my name. She actually stated she was with XXXX XXXX. I told her I was already in the midst of a dispute, and she decides to raise her tone, and said that I must pay the fine because I owed it ... .. again I am legally allowed to peruse a dispute, and I do not need to be harassed into a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-05-06
Boca Raton, FL
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-01
Dixmont, ME
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-31
NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-26
San Jose, CA
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: I received a letter dated XX/XX/2019 trying to collect {$20000.00}.
The FDCPA aka Fair Debt Collection Practices Act, I have every right to request validation of the debt you say I owe you. Associated Credit Services must supply physical proof that I am the person you are asking to pay this debt and that there is some sort of contractual obligation that is binding on me to pay this debt.
This is absolutely not a request for verification or proof of my mailing address, but a real request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
I am requesting for the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Associated Credit Services , Inc. in case legal action becomes necessary. Your claim can not and will not be considered or accepted if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Finally, I demand that your company cease all phone calls and robo calls immediately.
Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-24
Moreno Valley, CA
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-19
Herndon, VA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-09
Borough, CT
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-08
Phoenix, AZ
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Complaint: XX/XX/XXXX Dear Sir or Madame, I am requesting guidance on how to hold a collection agency and two billing companies accountable for damaging my credit score by purposefully and maliciously, submitting a debt I did not owe to the credit bureaus as a charge -off. This was done knowingly during my protected dispute period., as I was trying to get documentation to resolve the issue. Here are the facts : 1 ) I received a bill from XXXX XXXX XXXX XXXX XXXX, P.O. Box XXXX, XXXX, PA XXXX for {$250.00} for services rendered for an in-network procedure completed in XX/XX/XXXX.
2 ) I called them to request more documentation as I should not have had a balance after my co-pay, as my deductible was met. They said they had no records and to contact XXXX at XXXX XXXX At XXXX. XXXX said he could not help as he had no records as the billing company was sold.
2 ) I then disputed the debt in writing within 14 days of receipt of the bill requesting further documentation. I received none. ( I have written to all parties every 30-days to support my obligation under the law. ) 3 ) I called XXXX XXXX my health insurance carrier and they told XXXX XXXX XXXX XXXX to put collections on hold, because it was in the process of being paid by the carrier. XXXX XXXX XXXX ignored this and referred the alleged debt to Associated Credit Services , Inc., P.O. Box XXXX, XXXX, MA XXXX. I immediately sent a written dispute which is included.
4 ) Along with that dispute I included a check for {$26.00} as a good faith payment only toward any balance documented in the meantime. This was done to show good faith to prevent the matter from going into collections.
5 ) They cashed my check and did not respond in writing or by phone as requested.
6 ) Today, I called XXXX and spoke with XXXX who reported that I was mistakenly balance-billed and never owed anything other than the co-pay I made at the time of service.
7 ) XXXX can be contacted at XXXX option # 2, referencing interaction number XXXX and she could document that there never was a debt. I explained this to all parties and provided her contact information. It was ignored and not pursued.
8 ) Today XX/XX/XXXX, I called Associated Credit Services , Inc. and reached XXXX XXXX who reported the could not remove the charge-off collection from any of the credit bureaus. I asked why they pursued it during my dispute period within which I had disputed it in writing. He said they never received a letter which is false, as they cashed my check.
9 ) The false entry to the credit bureaus has caused me damage because they were illegally made during the protected dispute period, violating my federal rights. My credit score dropped XXXX points 10 ) This had an effect on interest rates on current debts and constricted my access to credit based on my previously XXXX score.
These companies have recklessly and wantonly trampled on my Federal rights and must be held responsible.
Respectfully,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-01
Jupiter, FL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-01
TX
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: I have repeated advised these people to stop calling me. They continue to keep me on the robo calls and continue to call me every day almost twice a day.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-08
Brooklyn, NY
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: I moved out of my apartment in XX/XX/2018 and canceled the XXXX by XXXX water delivery service. However now the company claims I have an unpaid debt of {$80.00} because I haven't pay my monthly dues since XX/XX/2018. Associated Credit Services, Inc kept on calling me and despite my telling them that the debt is not valid.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-06
Oxford, GA
Communication tactics
Debt collection: Other debt
Used obscene, profane, or other abusive language
Complaint: Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt.
Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX and he said I need {$350.00} minimum today or we go to court.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-05
Bohemia, NY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Associate credit service is reporting a paid collection on my credit report of XXXX. Associated credit service never sent me any notices. this amount was paid to XXXX XXXX. i would like this account removed from my credit since proper procedures were not taken by associated credit services Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-05
Swiftwater, PA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: This complaint is posted as even though there is a collection posted on my personal credit report, at no time was I ever given notice of such a collection from a public utility. I do not accept public utilities having the right directly or through a collection agency to post a negative item on a consumer 's credit report. The Fair Credit Reporting Act was not established in 1970 to take public utilities into consideration, as they are governed not by federal laws, but through public service commissions in each state. Accordingly, this posting on my personal credit is illegal by federal mandate. The original utility known as XXXX XXXX XXXX XXXX XXXX can send to me an invoice for payment once the collection is deleted from my personal credit report. DELETE THIS COLLECTION AS THE DEBT WAS NEVER VALIDATED!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-15
Sarasota, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: ASSOC CREDIT SERVICES XXXX XXXX XXXX XXXX.
XX/XX/2018 {$800.00} I HAVE NO KNOWLEDGE OF THIS DEBT. ANY ACCOUNT ( s ) OPENED IN MY NAME IS A RESULT OF IDENTITY THEFT.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-10
Boston, MA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Hello ; this is strange! I was applying for some random accounts and noticed that is a collection flagged into my account which I was never notified and mailed me a letter about.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-07
Cordova, TN
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I received a call today from Associated Credit Services, Inc which I initially missed but subsequently returned on XX/XX/2018 at XXXX and interacted with a representative for 1min and 43sec during which the representative stated that the call was being recorded. I also record calls which I determine are potentially fraudulent because I am still dealing with the aftermath of my identity theft. I informed the representative that my identity had been compromised and therefore I was also recording the conversation for my own records. I also asked that Associated Credit Services , Inc. validate the alleged debt. I was interrupted by the representative who stated she did not consent to me recording the call. To which I responded if that was the case then I also did not consent to the call and that Associated Credit Services , Inc. cease and desist from calling me. XXXX XXXX XXXX XXXX XXXX states " An individual who is a party to either an in-person conversation or electronic communication, or who has the consent of one of the parties to the communication, can lawfully record it, unless the person is doing so for the purpose of committing a criminal or tortious act. '' As indicated in the attached recording I was only recording the conversation to protect my interests and not for the purposes of committing a criminal or totious act nor was I attempting to record the call in secret. My credit has already been severely damaged as a result of identity theft and as a result at the advice of my attorney I have recorded ALL interactions that involve debt collections in the event I need evidence for court that the collection agency is violating my rights under the FDCPA. Furthermore I am of the opinion that Associated Credit Services , Inc. asking for and recording my personal information over the phone is a privacy violation. I do not at feel comfortable sharing PII over the phone or it being recorded because I have no way have knowing who has access my PII, what security measures are put in place to prevent my PII from further compromise, what auditing procedures are in place to ensure only the personnel that needs access in order to perform their jobs has that access, and what processes/procedures are in place to permanently dispose of my PII while ensuring confidentiality.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-07
Bremen, GA
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Complaint: I have requested debt validation through a consumer federal protection complaint for a dispute and debt validation and Associated Credit Services has not provided these documents from themselves or their client. It has been beyond the 30 days allowed by federal collection laws for them to provide these documents.
Associated Credit Service continues to call my phone and leave multiple messages. Today ( XX/XX/2018 ) I verbally spoke on a recorded line and requested that they remove my number from their calling list and send any information through the mail.
They are harassing me by calling my phone everyday- Please take my name and number off you list I do not owe you anything
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-11-29
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I received a letter from Associated Credit Services Inc about a bill that I have never received from XXXX XXXX XXXX XXXX. There is not date of when this had happened on the letter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-11-11
Stone Mountain, GA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation